Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$18,014Cash toward the purchase price.
Closing costs + prepaids$11,101Not just lender fees.
Before credits & paid funds$29,114The complete starting cash picture.
Estimated remaining funds due at closing
$29,114No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,013.51
Your down payment$18,013.51
Closing costs + prepaids$11,100.78
Total buyer cash needed$29,114.28
Remaining funds due$29,114.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,500.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$420.00
Initial HOA (3 months)$501.00
Prepaid interest, first (10 days)$454.78
Fees + prepaids$11,100.78
Your down payment is the seller’s equity. You take over the $331,986 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $29,114.28 is due at closing. Uses and sources reconcile at $361,100.78 each. Not a Closing Disclosure.